Your statements pull automatically. Just confirm and submit.
How it works
Apply on your phone. Money in 48 hours.
No branch visit. No paper. Four steps.
5 minutes
Open your account
Download the Carbon Business app or sign up on the website. Fill in your business details and you're up and running in minutes.
5 minutes
Upload your documents
CAC certificate, 6 months of bank statements, a valid ID, and a recent utility bill. All uploaded in the app or on the website.
24–48 hours
Submit your application
Apply directly in the app or on the website. Your application is assessed on your cashflow and trading history.
Within 48 hours
Money in your account
Your offer lands in the app with your exact rate and repayment schedule. Accept and the money is in your account.
Why Carbon
Fast. Fair. Simple.
Built for founders who don't have time for complicated banking.
Fast decisions, real money
Apply in minutes, get a decision in 48 hours. No waiting rooms, no back-and-forth on paperwork.
Assessed on your business performance
Your offer is based on your cashflow and trading history. A strong-performing business gets a strong offer.
Repayments that fit your cashflow
Daily, weekly, or monthly. Auto-debit from your inflows — no missed dates, no surprise penalties.
Your limit grows as you repay
Repay on time and your next limit rises. Most customers borrow 2–3× their starting amount within 6 months.
More than a loan
Built for businesses that move different.
Other lenders give you money. Carbon gives you a system to manage it.
Carbon Flex
Your everyday business account
A full business bank account open in 5 minutes. Everything you need to get started.
Basic payments and transfers
Bill payments
Invoicing
Single user access
Daily transaction limit: ₦5,000,000
FREE
Carbon Pro
Put your money on autopilot
Set the rules once. Every Naira that comes in knows exactly where to go.
Split Inflows. Every Naira that comes in automatically splits across savings, tax, suppliers, loan repayment, and owner's pay — in the percentages you choose.
Sub-Accounts. Create named sub-accounts inside your one Carbon Business account — "Tax", "Rent", "Stock", "Branch 2 cash". Each has its own balance and statement.
Team Banking. Add your accountant, manager, or cashier with their own login. Decide what each person can do. Nothing leaves the account without your say-so.
Bulk Payments. Pay up to 5,000+ beneficiaries in one go.
Nexus Collections. Built for businesses with high-volume inflows.
Daily transaction limit: ₦250,000,000
₦5,000
/ month
Vendi
Get paid on your invoices today
Don't wait 30, 60, or 90 days for a customer to pay. Vendi unlocks the value of your outstanding invoices so you can keep moving.
Invoice discounting with no long-term commitment
Fast access to cash already owed to you
Works alongside your Carbon Business account
Ready to move? Apply now.
Check eligibility in 30 seconds. Apply in 5 minutes. Money in 48 hours.
